Santa FICO Score is 757

Santa FICO Score is 757 : Santa has a FICO Score, and is 757. Santa’s FICO Score may qualify him for favorable lending terms, which could save him a sleigh load of money next time he refinances his home “toy factory” mortgage. Santa’s score is an actual FICO Score, which FICO’s data scientists calculated using financial information that commonly makes up an individual’s credit profile.

“Santa works hard to understand his credit health, especially during the holiday season,” says Ethan Dornhelm, Senior Prinicpal Scientist for FICO. “Santa’s FICO Score represents a snapshot in time. It may be impacted by borrowing money to purchase materials to build millions of toys for kids around the world, and it considers things like whether he pays his bills on time, and the level of his revolving balances after the holidays are over.”

Santa’s FICO Score was derived by taking into account his recent financing of a new hybrid sleigh purchase, his use of credit cards during the holiday toy production season, his HELOC that he used to expand his toy factory a few years ago, and his long history of using credit responsibly.

“Santa chose to share his FICO Score to encourage others to be proactive about their personal finances and checking their FICO Scores, particularly during the holiday shopping season,” added Dornhelm. “Santa also wanted to call attention to the fact that he can access his FICO Scores through the FICO Score Open Access program. This program gives more than 100 million consumer accounts access to FICO Scores for free through their lenders, so now it is easier than ever to check your FICO Score, and check it twice.”

FICO Scores are used in more than 90 percent of lending decisions in the US. FICO is a leading analytics software company, helping businesses to make better decisions that drive higher levels of growth, profitability and customer satisfaction. The company’s groundbreaking use of Big Data and mathematical algorithms to predict consumer behavior has transformed entire industries. FICO provides analytics software and tools used across multiple industries to manage risk, fight fraud, build more profitable customer relationships, optimize operations and meet strict government regulations. Many of our products reach industry-wide adoption.

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